WPC( jlo.~|mL6~|mpQxn94ꕥ_k"Gk~eMS%i]f[4:z?S> ZI[ ,X-7:5س51쎀o݃2[9y;f2FV)DuUXF.1:aXfˈջzXJT!,opb8U~.*It?EeKGvg-5\SC޺?%UǮw?)<'P_}rlp>կ XOј҈ކ %o%GBkrfD6X'4-ԟqL4 !k]7{Jp0tdH?c-QbAV*BJ?P_f%w&Q&^+pRt+ި@EMcw4/~ًpoeVf\_U ztZ1+!VavQ &`UN" %p 0v #m(6 4^ m>w^ 4% B-44 0la 0DN 1 0 0 0 0u 0wf f 0 0z!z! 1u?"?""" B$$$$$$$$$$$$$$$$$ 72%%/.&.& 1]&]&]&]&]&]&]&]&]&]&]&]&]&]&]&]&]&]&]&]&]&U:&&&&M8'8'8'8'D<'&d9 Z6Times New Roman RegularX($,..,RTRW6&A4W6&A4 6&A4 6&A4T ? RR0?vvbX0#ggdd  8dd8ISUS,.     ^^b\\BESTLA\Austurstr 10A 3h lp410 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wpt/-TB Brirs?g3|x)Hairline d(D2uu$ !,..,XvdXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXvd0?vvbX0#ggdd  8dd8ISUS,.     ^^b    0  0  (#$  0   ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3]$ !,..,XvdXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXvd0?vvbX0#ggdd  8dd8ISUS,.     ^^b  (3]$ !,..,XvdXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXvd0?vvbX0#ggdd  8dd8ISUS,.     ^^b  (3N$ !,..,XvdXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXvd0?vvbX0#ggdd  8dd8ISUS,.     ^^b   d (M0J$2  0  .3  0 ` (O$0  2  3  0` ""(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a)  a]',..,XvdXXX? XXvd0?vvbX0#ggdd  ISUS,.   _>? #9#?  2d XvdXd2 #XXvd# d  gN+,..,XvdXXX? XXvd0?vvbX0#ggdd  ISUS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : e]),..,XvdXXX? XXvd0?vvbX0#ggdd  ISUS,.   _>? Ҁ !,..,XvdXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXvd0?vvbX0#ggdd  8dd8ISUS,.     ^^b  _ >?  _ikmo(%03qs 9141.lggjafarYing2012!2013. ( Xingskjal16"16.ml.       ̹ @  TillagatilYingslyktunar#  ̹n#   Y  umskipunranns;knarnefndarumstarfsemilfeyrissj;Wa.     Frmeirihluta_stj;rnskipunar_-og_eftirlitsnefndar_ K #  (VBj,I,RM,LGeir,_MN_,_VigH_,MT).      AlYingilyktar,samrmiviWlgumranns;knarnefndir,nr.68/2011,aWskipaYriggja   mannaranns;knarnefnder_rannsaki_Ԁstarfsemilfeyrissj;Wannafrgildistkulagaumskyldu wO  tryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,nr.129/1997,tilrsloka2011. B    Ranns;knarnefndinvarpisemskUrustulj;sistarfsemilfeyrissj;WannaYessutmabili,    Y.m.t._fjrfestingarstefnu_,stj;rnun,stefnum;tun,kvarWanatku,_httumat_,endurskoWun,   eftirlit,_markaWshrif_,_tryggingafrWilega_ԀstWuogbyrgW_launagreiWenda_Ԁ_lfeyrisskuldbind {  ingum_,YarsemYaWviW,oglokstengslviWatvinnurekendur,_verkalUWshreyfinguna_Ԁog nF stj;rnmlamenn. 9   LagtverWimatbyrgWogaWkomu_stj;rnsUsluaWila_ԀogbyrgWogaWkomueinstakrarW  herraaWeinstkumkvrWunumog/eWaeftirlitimeWlfeyrissj;Wunum.    #fgggNefndinfariyfir#ggfg #fgggԀskUrslu_ttektarnefndar_Ԁ_Landssamtaka_Ԁlfeyrissj;Waum_fjrfestingar r stefnu_,kvarWanatkuoglagalegtumhverfilfeyrissj;Wanna,staWfestigagnaflunogr e= vinnslu.#ggfg  0   Nefndinkannisrstaklega:   (g00_ikmo"i0J"  i0J2g  a  .3  Ԉ0    hvertvar_nett;tap_ԀafYeimfjrfestingumsj;WannasemtpuWusthruninu,i0J"݌ Ќ  "i0J"  i0JJ2g  b  .3  Ԉ0    hvervarraunvxtunoggetasj;WannatilgreiWslulfeyrisrunum1997!2010,i0JJw݌i Ќ  "i0J"  i0J2g  c  .3  Ԉ0    hvervoruhrifsetningar?_neyWarlaganna_ ,Y.e.lagaumheimildtilfjrveitingarr \4 rkissj;WivegnasrstakraaWstWnafjrmlamarkaWio.fl.,nr.125/2008,fjrhagslega ' afkomulfeyrissj;Wanna,i0J݌ Ќ  "i0J"  i0J2g  d  .3  Ԉ0    samskiptistj;rnarogstj;rnendalfeyrissj;WannaviWfjrmlastofnanirogfyrirtkisem  sj;WirnirttuviWskiptiviW,gjafir,_boWsferWir_Ԁo.fl.runum1997!2011,i0J݌`  Ќ  "i0J"  i0Je2g  e  .3  Ԉ0    hugsanlegar_samhliWafjrfestingar_Ԁstj;rnendaogstarfsmanna,_eignarhluti_ԀYeirraog_lna S+! fyrirgreiWslur_.i0Je݌" Ќ    Ranns;knarnefndinskiliforsetaAlYingisskUrsluumranns;kninaeigisWaren1.n;vem # ber2013samtYeim_samantektum_Ԁog_ttektum_ԀsemnefndinkveWuraWltavinnaYgu  $ ranns;knarinnar. !W% @#dgg  GreinargerW.#ggd #'   _Stj;rnskipunar_-ogeftirlitsnefndflutti_Yingslyktunartillgu_ԀYessasWastalggjafarYingi #( ogvarWhnekki_trdd_. $ )   _Stj;rnskipunar_-ogeftirlitsnefndAlYingishefurveriWfaliWafforstisnefndaWhafaeftirlit v%N!* meWframkvmdlyktunarAlYingisfr28.september2010umviWbrgWAlYingisviW A&"+ skUrsluranns;knarnefndarAlYingis.  '",   MeWYingslyktuninnivarm.a.samYykktaWrWistyrWisjlfstWaog;hWaranns;kn '#- vegumAlYingisstarfsemilfeyrissj;Wa0slandifrsetningulagaumskyldutryggingu (z$. 9 y_   lfeyrisrttindaogstarfsemilfeyrissj;Wa,nr.129/1997,ogsWar(sbr.Yskj.1537138.lg - gjafarYingi).0kjlfarYessskyldifaraframheildarendurskoWunstefnuogstarfsemilfeyris  sj;Wanna.    &  ViWafgreiWsluYingslyktunarinnarlfyriraWLandssamtklfeyrissj;WahygWustgera a sjlfstWattektstarfsemi'!Ԁlfeyrissj;Wanna.EnguaWsWurlyktaWiAlYingi,grunniYeirra Y, upplUsingasemframkomuskUrsluranns;knarnefndarAlYingis,aWsjlfstWog;hWrann $ s;knskyldifaraframstarfseminnifrsetningulagaumskyldutryggingulfeyrisrttindaog  starfsemilfeyrissj;Wa,nr.129/1997.SWarvarkveWiWaWbWaniWurstWurskUrsluLands   samtakalfeyrissj;WaWurenfrekaryrWiaWhafst.  X   Landssamtklfeyrissj;WasamYykktu24.jn2010aWfaraafstaWmeWttektfjr P #  festingarstefnu,kvarWanatkuoglagaleguumhverfilfeyrissj;WannaaWdragandabanka    hrunsins2008.NefndinsemLandssamtkinskipuWuskilaWiafsrskUrslu3.febrar2012.    0hennistuHrafnBragason,lgfrWingurogfyrrverandihstarttad;mari,semvarfor   maWurnefndarinnar,GuWmundurHeiWarFrmannsson,siWfrWingurogpr;fessorviWHsk;l |O  annAkureyri,ogHWinnEyj;lfssonviWskiptafrWingur.NefndinnivareinkumfaliWaW G  fjallaumhvernigstaWiWvaraWstefnum;tun,kvarWanatkuoghttumativiWfjrfestingar   aWdragandabankahrunsins.SrstaklegaskyldiskoWahverniggildandifjrfestingarstefnu   sj;WannavarfylgtsWustutvrinfyrirhrun.NefndinskyldieinnigtakatilumfjllunarYau {  atriWisembeinastsrstaklegaaWlfeyrissj;WumskUrsluranns;knarnefndarAlYingisog sF srstaksvinnuh;psumstarfshttiogsiWferWi,umaWdragandaogorsakirfallsbankanna2008. >   0skUrslunefndarLandssamtakalfeyrissj;WakomframaWranns;knarheimildirnefndar   innarhefWubyggstsamYykktstj;rnarogvarastj;rnarLandssamtakalfeyrissj;Wafr24.  jn2010.StrfnefndarinnarvoruYannighWYvaWeinstakirsj;Wir,stj;rnirYeirraogstarfs r mennynnumeWnefndinniYannhttaWYeirafhentuhenniggnoggfuhenniskUringar. j= JafnframtaflaWinefndinsrgagnaogupplUsingafropinberumstofnunum,fjrmla 5 fyrirtkjumogeinkafyrirtkjum.NefndinhafWiYannigekkivaldheimildirtilaWkrefjastYess  aWggn,upplUsingareWaskUringarkmufram,lktogranns;knarnefndirAlYingishafasam  kvmtlgumumranns;knarnefndir,nr.68/2011.EftirlitsstofnanirmeWlfeyrissj;Wunum i gtuboriWfyrirsigYagnarskyldurkummli,ekkivarhgtaWkveWaf;lktilskUrslutku a4 vildiYaWekkigefaskUrslunheldurgatnefndingertranns;knirstarfsstaW. ,   NefndinteluraWniWurstWurnefndarLandssamtakalfeyrissj;WannastaWfestiaWtilefnier  tilaWrWistverWisjlfstWaog;hWaranns;knvegumAlYingisog,gefiniWurstWur  hennartilefnitil,aWfariWverWiheildarendurskoWunstefnuogstarfsemisj;Wannaogupp `  byggingulfeyrisrttindaalmennumogopinberumvinnumarkaWi.NefndinteluraWskUrsla X+! Landssamtakalfeyrissj;WannamuninUtastvelYeirrivinnuY;tthrslgWtilumfangsmeiri #" ranns;knogaWhnniyfirlengratmabil. #   XverlagttilaWAlYingilyktiaWranns;knfariframsamrmiviWlgumranns;knar  $ nefndiroglyktunAlYingisumviWbrgWAlYingisviWskUrsluranns;knarnefndarAlYingis !W% 2010ogaWskipuWverWiYriggjamannaranns;knarnefndtilYessaWrannsakastarfsemi O""& lfeyrissj;Waalltfrgildistkulaganr.129/1997,Y.e.1.jl1998,tilrsloka2011.Tillagan #' eraWveruleguleytisamhlj;WatillgutilYingslyktunarsemlgWvarfram140.lggjafar #( Yingi(522.mlYskj.802)enfyrstiflutningsmaWurhennarerEygl;HarWard;ttir. $ )   Verkefniranns;knarnefndarinnar.  F&"+   VerkefninefndarinnarerutalinuppYingslyktunartillgunnienYaueruaWvarpasem '", skUrustulj;sistarfsemilfeyrissj;WannaYvtmabilisemtiltekiWer,Y.m.t.fjrfestingar '#- _stefnu,stj;rnun,stefnum;tun,kvarWanatku,httumat,endurskoWun,eftirlit,markaWshrif, - tryggingafrWilegastWuogbyrgWlaunagreiWendalfeyrisskuldbindingum,YarsemYaW  viW,oglokstengslviWatvinnurekendur,verkalUWshreyfingunaogstj;rnmlamenn.0Yessu  felstm.a.aWnefndinleggimatrangurYessfyrirkomulagssemhrlandihefurveriWbyggt a uppmeWaWkomuverkalUWsflagaogsamtakaatvinnurekendagrundvellikjarasamningaog Y, nbyrgWarlaunagreiWendaannarsvegaroghinsvegargrundvellilagaaWmeginstefnutil $ meWbyrgWlaunagreiWenda.    LagtverWimatbyrgWogaWkomustj;rnsUsluaWilaogbyrgWogaWkomueinstakrarW   herraaWeinstkumkvrWunumog/eWaeftirlitimeWlfeyrissj;Wunum.0Yessufelstm.a.aW  X kannaWverWisrstaklegahvortYeiraWilarogYrstofnanirsemhafaeftirlitmeWlfeyris P #  kerfinuhafisinntskyldumsnummeWfullngjandihttifrsetningulaganna.Einnighvort    merkjamegi;eWlileghrifWstustj;rnarrkisinsogsveitarflagannaeinstakarkvarWanir,    fjrfestingareWastefnusj;Wannam.a.kraftistWusinnarsemlaunagreiWendurogaWilaaW   stj;rnum,eftirYvsemviW. |O  #fggg  Nefndinfariyfir#ggfg*<#fgggԀskUrsluttektarnefndarLandssamtakalfeyrissj;Waumfjrfestingar G  stefnu,kvarWanatkuoglagalegtumhverfilfeyrissj;Wanna,staWfestigagnaflunogr   vinnslu.#ggfgo<     Nefndinkannisrstaklegahvertvarnett;tapaffjrfestingumsj;Wannahruninu.MeWYv {  erttviWtapafeinstkumfjrfestingumlj;siupphaflegskaupverWsograunverWsviWslu, sF niWurfrslueWaafskrift.Einnigkomisrstaklegaframhvest;ranhlutaaftapisj;Wannamegi > beintrekjatilsetningarneyWarlagannarinu2008enfyrirliggurhverttapsj;WannavarW   hruninumiWaWviWb;kfrtverW.SrstaklegaverWieinnigkannaWhverhafiveriWraun  vxtunoggetasj;WannatilgreiWslulfeyrisrunum1997!2010,enYaWgeturvarpaWskUru r lj;sihvorttlamegiaWkerfiWniYeimrangrisemYvertlaWaWnkomandirum. j= M.a.komiframhversmunurfllnumskuldbindingumsj;WannaoggetutilgreiWsluYeirra 5 oghvertlamegiaWs;greiddskuldbindinglaunagreiWendaYeimsj;Wumsemnj;ta  byrgWarlaunagreiWenda.    TilYessaWniWurstWurranns;knarinnarleiWitiluppbyggilegrarumrWuumhlutverk,upp i bygginguogframtWlfeyriskerfisinsernauWsynlegtaWvelverWifariWyfirsamskiptistj;rnar a4 ogstj;rnendalfeyrissj;WannaviWfjrmlastofnanirogfyrirtkisemsj;WirnirttuviWskipti , viW,gjafir,boWsferWiro.fl.runum1997!2011.XaWsamaviWumhugsanlegarsamhliWa  fjrfestingarstj;rnendaogstarfsmanna,eignarhlutiYeirraoglnafyrirgreiWslur.